Our 3 year Fixed Home Loan Package is perfect if you have a strict budget as you’ll know exactly what your repayments will be. 40 Year Fixed Package Home Loans are available for 31 to 40 years, for properties located in South Australia. Lending criteria applies and a suitability assessment will be complated as part of the application process. Plus you pay no monthly or redraw fees. The Credit Union SA Fixed Home Loan Package offers a fantastic collection of benefits across our Home Loans, Visa Credit Card, Personal Loans, Term Deposits and more. You pay an annual fee of $395.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.24% | 7.30% | Fixed · 3 years · owner occupied · principal and interest · LVR 0%–80% | CDR | 1 Nov 2026 | |
| 7.29% | 7.61% | Fixed · 3 years · owner occupied · principal and interest · LVR 80%–97% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_449F3- Content hash
sha256 13a0d5c699e06171bcb6f2e500d64ae0800ed17138a3b438e4c38eb43258d1f7- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_13a0d5c699e06171_02a8ed5cShow details
- Checked
- 1 Nov 2026
- URL
https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_449F3- Content hash
sha256 13a0d5c699e06171bcb6f2e500d64ae0800ed17138a3b438e4c38eb43258d1f7- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Application fee | Upfront | $0.00 |
| Increase an existing home loan package | Event | $0.00 |
| Annual fee | Periodic | $395.00 |
| Settlement fee | Upfront | $0.00 |
| Split Loan Fee | Event | $150.00 |
| Split Loan Fee | Event | $100.00 |
| Guarantor Application Fee | Event | $200.00 |
| Rate Lock Fee | Event | $600.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | No loan application or monthly fee | |
| Extra repayments | Allowed up to $10,000 per year | |
| Redraw | ||
| Guarantor | ||
| Digital banking | ||
| Other | Split Loans are available with eligible products | |
| Eligibility: min age | 18 | |
| Eligibility: residency status | Australian citizen or permanent resident | |
| Limit: opening balance | 150000.00 | |
| Limit: max lvr | 0.97 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 3 years · owner occupied · principal and interest · LVR 0%–80% | 1 Nov 2026 | Current | 6.24% | 7.30% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80%–97% | 1 Nov 2026 | Current | 7.29% | 7.61% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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